Special offer of financial products and services for

Transcription

1 Special offer of financial products and services for ExxonMobil Business Support Center Czechia s.r.o. and BSC Social Club o.s. Offer valid for 12 months from 09/2015 to 08/2016. Any information valid 08/15 provided herein does not directly constitute an agreement proposal.

2 Why you? Everyone deserves an individual approach We highly regard all those who do well, high-quality work, so we decided on your company ExxonMobil Business Support Center Czechia s.r.o. We believe your employees deserve the best care and services. Therefore, as a bonus we want to offer them improved terms for our financial products and services. Our satisfied clients also include employees of these companies:

3 Who we are? Dynamic and tradition Our range of quality services is confirmed by a whole number of domestic and international awards: Bank of the year: Most dynamic bank of the year in 2009 and 2010 ekonto won the award for the Best Account for the fourth time in 2011 In the Golden Crown competition the bank won awards in the categories mortgages, business accounts and business loans. In 2012, Raiffeisenbank International received the seventh award in a row as Best Bank in CEE in the prestigious poll of the magazine Global Finance. The emblem and traditional trademark of the Raiffeisen group is a special architectural element: Two crossed horses heads, the Giebelkreuz, which has decorated the shields of many buildings in Europe for centuries. It is a symbol of the protection of families gathered under a common roof. We will continue to ensure that Raiffeisenbank provides its clients with certainty and stability, as well as continuing to introduce modern banking products and services.

4 How are we different?

5 Raiffeisen Premium Banking Cross the border from good to excellent Become a Raiffeisen Premium Banking client and enjoy the following benefits, in addition to others: Individual care from experienced personal advisors Comprehensive financial advice and planning, reviews of current services Appropriate and discrete environment We will help you answer the following questions: Income: Appreciation: Reserve: Loan: Insurance: I would like a retirement income of CZK 15,000, WHEN SHOULD I START SAVING? I want the best. WHERE SHOULD I INVEST MY MONEY? Not too much nor too little, cleverly done. HOW MUCH IS THE NECESSARY RESERVE? A good servant, but a bad master. WHAT IF SOMETHING HAPPENS? Efficient insurance, not pay anything unnecessarily, forget nothing. WHAT SHOULD I INSURE FOR HOW MUCH? Here you are now we ll do our best, you d be satisfied here as well

6 Personal Account ekonto KOMPLET Get the most frequent banking products and services for a flat monthly charge Our special offer: Monthly charge if the account is actively used 89 CZK (Standard monthly charge 250 CZK) Try our personal account for 12 months for FREE! (valid for new and current RB clients until 07/2016 with prolongation opportunity) With revolutionary ekonto KOMPLET you will obtain: Unlimited ATMs withdrawals of any bank in the Czech Republic and abroad Unlimited number of all types domestic transactions Maintenance of a credit card, two debit cards and a contactless sticker INCLUDED 1 free foreign payment (SEPA) monthly Current account maintenance in up to 9 currencies Provision and use of pre-authorized debit Direct banking Savings account and more * Actively used means credit turnover (income) at least 15thousands CZK (or other currency equivalent) and 3 debit transactions (payment orders, card transactions etc.)

7 Personal Account ekonto KOMPLET Choose the account reflecting your needs and expectations Switch your bank and come to us! Let us arrange all needed. You don t have to go to the old bank anymore. We will transfer and set your standing orders, collection and SIPO Settings at your new ekonto KOMPLET account We can arrange your recent account closing if you want to Account number easy to remember Choose your Own account number e.g. date of birth Or Move your Actual account number at other bank (with RB Bank Code) Recommendation Benefit Recommend 2 new clients and get your ekonto KOMPLET FREE of charge

8 Mobile ekonto Mobile banking services that the application Mobile ekonto brings to your smartphones and tablets save your time and money Thanks to Mobile ekonto you have your account balances and histories under control. You manage credit and debit cards. Moreover, you can use a number of original functions: Use multi-currency account Make express payments Lock payment cards Set standing orders Make payments using QR code Find the best price of goods and services Find nearest Sphere Card partners who allow you discount with our credit card And much more

9 Credit Cards Reasons to get your credit card (valid with ekonto KOMPLET account) EASY card STYLE card DE LUXE card Card limit up to CZK 100,000 Card maintenance free of charge Interest rate 1,88% per month Grace period of up to 45 days Up to 30 % discounts with the Sphere card programme Extended warranty insurance covering household appliances and electronic devices All credit cards: - Easier income proving - Simple process of approval Card limit up to CZK 300,000 Card maintenance free of charge Up to CZK 6,000 yearly refund to your card Interest rate 1,88% per month Grace period of up to 50 days Up to 30% discounts with the Sphere card programme COMFORT insurance bundle protecting your card against fraud, and also protecting your purchases and personal belongings MasterCard LOUNGE - travel in comfort and take advantage of the new lounge at the Prague airport Terminal 1 and Vienna Card limit up to CZK 500,000 Card maintenance CZK 59/monthly Up to CZK 12,000 yearly refund to your card Interest rate 1,88% per month Grace period of up to 50 days Up to 50 % discounts with VIP Sphere card program COMFORT insurance bundle MasterCard LOUNGE Comprehensive Auto assistance taking care, for example, of towing your car, get help from a mechanic, fuel delivery etc. Non-stop alarm center selected assistance services to you, your car and your home Invitations to prestigious events

10 Consumer financing An easy way to make your dreams come true Our special offer: Interest rate 8.9% p.a. for loan consolidation (non-specific credit up to CZK without guarantor) Interest rate 11.9% p.a. for personal loan (non-specific credit up to CZK without guarantor) What else does our financing bring you? Arranging credit free of charge, you pay no fees for credit, premature repayment or extraordinary instalments Optional credit insurance against inability to pay owing to death or permanent consequences of an accident at a reduced price No need to use real estate as collateral Detailed overview of credit directly on your account Reduce your instalments and get control of your liabilities with consolidation Note: Each client proves income individually on RB form, interest rates are guaranteed for all company employees.

11 Mortgage loans Your housing in comfort Our special offer: Discount 1.2% p.a. if you transfer your payments to Raiffeisenbank,* and another 0.2% p.a. if you take out insurance, which is moreover at a discount. (valid for first rate fixing) What else do our mortgages bring you? With our credits you will arrange everything easily without unnecessary paperwork Building and rebuilding without having to show bills Mortgage with offsetting own savings - OFFSET Mortgage Mortgage without fixation, with FLOAT rate Variable mortgage - loan with flexible repayment * The transfer is defined as credit turnover (income) at least 15thousands CZK (or other currency equivalent) and 3 debit transactions (payment orders, card transactions etc.). In case of breach of the conditions until 3 months from signing the contract, Bank increase the interest rate by 1,5%.

12 Let the savings grow Unit trusts small steps to higher revenues Our special offer: 25% discount on purchase charges What else does investing bring to you? Investments can be made in CZK, EUR and USD Wide range of 36 funds taking into account the experience and sensitivity of clients to risk Investments can be made in amounts starting at CZK 500 Easy way of investing using payment orders Funds are soon available Option of individual issue of investment certificates, bonds, mortgage covered bonds Our funds are among the best in Europe, some funds have the highest AAA rating from Standard & Poor s for quality fund management

13 Security and protection Raiffeisen DIVIDENDA life insurance A unique product that returns your money twice, even if nothing happens to you. Make use of tax benefits in basic form without necessity of paying into savings. No-claims bonuses for accident risks. Insurance suitable for individuals and families with falling amount to secure Option to amend contract at any time in accordance with life situation and financial options Progressive compensation for permanent consequences of accident up to CZK 18,000,000 from just CZK 211 Supplementary insurance of very grave illnesses Insurance of involuntary employment loss Child rates on insurance premiums for accident insurance up to 26 years of age Reviews of current insurance contracts

14 Preferential vehicle financing Special benefits for you: VIP offer at least 1.2% p.a. DISCOUNT as compared to the basic charge Loan contracts are signed WITH NO CHARGE What else does vehicle financing provide? Financing of new and used vehicles (manufactured in 2008 and later) Down payment starting at 15% for new vehicles / at 20% for used vehicles Pay-off term from 12 to 72 months Preferential vehicle insurance paid in installments Satellite security at a preferential price which reduced insurance premiums!

15 Benefits you gain Overview of benefits for employees of ExxonMobil Business Support Center Czechia s.r.o., BSC Social Club o.s. Preferential price for keeping your personal account Personal account ekonto KOMPLET including most frequent products and services one year free of charge. Preferential price of 89 CZK for keeping ekonto KOMPLET providing that it is actively used, or personal account ekonto SMART including basic banking service for FREE also applies to two family members without the need to meet the activity requirements. Credit cards Unique cards which will always reward you for their use. We guarantee the lowest interest rate. Consumer financing Low interest rate on non-specific credit or loan consolidation, discount of more than 50% on standard rate. Mortgage loans Discount up to 1.2% p.a. on interest rate and possibility of obtaining further standard discounts Valorisation of savings Discount 25% on all entry fees for Raiffeisen unit trusts Preferential vehicle financing At least a 1.2% discount as compared to the basic charge and no charge for signing the loan contract. This proposal applies to all the company s employees of ExxonMobil Business Support Center Czechia s.r.o. and BSC Social Club o.s., who present to Raiffeisenbank a.s. a valid employee card and conclude a contract with Raiffeisenbank a.s. on the provision of a specific banking service by 08/2016. Raiffeisenbank a.s. reserves the right not to conclude a contract with employees whose risk profile is not acceptable to the bank.

16 We are the bank inspired by clients. We expand and improve our services based on requests of our clients. Contact Jakub Jelínek Branch Manager Tel: , Contact Gabriela Laušmanová Branch Manager Tel: , Branch Praha Flora Chrudimská2157/ Praha 3 Opening hours: Mon, Tue, Thu, 9:00 17:00 Wed 9:00 18:00 Fri 9:00 16:00 Branch Praha Národní Národní Praha 1 Opening hours: Mon Fri 9:00 17:00 Clients have the option to park at a distance of 50 m from our branch Flora. English speaking Relationship Managers at your disposal.